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September 2014 Archives

Things to consider when home foreclosure seems inevitable

Something that can happen when your financial situation becomes difficult is that you might find yourself falling behind on your mortgage. You may be forced to "juggle bills," trying to maintain a balance between keeping food on the table, your utilities connected and your other bills paid, but it can all come crashing down if your home ends up going into foreclosure.

Younger Americans increasingly tending to avoid credit cards

The use of credit cards by people in the 18-to-29 age group -- the so-called "millennials" -- appears to be significantly less than generations of Americans who have preceded them. Why that is, and its effects both positive and negative, is having an impact on the lives of these consumers in New Jersey as well as elsewhere.

How does a payment plan work under Chapter 13 bankruptcy?

Previously we have written about some of the differences between the two most common forms of personal bankruptcy: Chapter 7 and Chapter 13. One of the more significant of those differences is that while Chapter 7 discharges many debts completely, it may still leave some of the debtor’s more valuable forms of property -- such as a house, or a car -- susceptible to being sold off in a trustee’s sale.

An overview of how a Chapter 7 bankruptcy process begins

If you have reached the point where you are considering Chapter 7 bankruptcy as an option for debt relief -- and assuming that you qualify to use Chapter 7 bankruptcy -- then your next inquiry may be how the Chapter 7 process works.

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At the law offices of William H. Oliver, Jr. & Associates in Toms River and Lakewood, New Jersey, we represent clients in Toms River, Neptune, Trenton, Middletown, Red Bank, Wall, Lakewood, Lakehurst, Manchester, Asbury Park, Old Bridge, Jamesburg, Barnegat, Forked River, Manahawkin, Ocean Township, Brick, Manasquan, Howell, Freehold, Hazlet, Bradley Beach, Brown Mills, Long Branch, Keansburg, Marlboro, Bayville, Beachwood, Whiting, Sayreville, South River, East Brunswick, Monmouth County, Ocean County, Middlesex County, Burlington County and Mercer County.